| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS KARLE3 Filed as: THOMAS M. KARLE | 20844 HARPER AVE, SUITE 101 HARPER WOODS, MI 48225 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | — | $32K | 5.00% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | $766 | $20K | 4.36% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 3.97% |
| THOMAS KARLE3 Filed as: THOMAS M. KARLE | 20844 HARPER AVENUE, SUITE 101 HARPER WOODS, MI 48225 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 5.00% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 4.86% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73215 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 4.20% |
| AUTOMOBILE DEALERS ASSOC OF ALABAMA3 | 1335 CARMICHAEL WAY MONTGOMERY, AL 36106 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $987 | $987 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $126 | — | $126 | 0.12% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 4.77% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 2.98% |
| AUTOMOBILE DEALERS ACCESSORY CORP3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 1.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $99 | — | $99 | 0.13% |
| MICHIGAN AUTOMOBILE DEALERS ASSOC3 | 1500 KENDALE BOULEVARD EAST LANSING, MI 48823 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $84 | $84 | 0.11% |
| GRA BENEFITS GROUP LLC3 | 1701 LAKE LANSING RD, SUITE 200 LANSING, MI 48912 | AMERICAN FIDELITY ASSURANCE COMPANY | $39 | — | $39 | 0.05% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 4.96% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 2.06% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 1.73% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.80% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 Filed as: FLORIDA AUTOMOBILE DEALERS ASSOC. | 400 NORTH MERIDIAN STREET TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $565 | $565 | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRAW WENTWORTH, INC. | 3331 WEST BIG BEAVER, SUITE 200 TROY, MI 48084 | AMERICAN FIDELITY ASSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THOMAS KARLE3 | 20844 HARPER AVE. SUITE 101 HARPER WOODS, MI 48225 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.18% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS & BLUE SHIELD OF ALABAMA | 450 RIVERCHASE PARKWAY E HOOVER, AL 35244 | VISION SERVICE PLAN | $805 | — | $805 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 120 | $2.3M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 120 | $1.7M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 118 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 322 | $23K |
| Short-term disability(4 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 74 | $281K |
| Long-term disability(4 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 74 | $281K |
| Prescription drug(6 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 120 | $2.3M |
| Other(6 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 322 | $900K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.